SmartFinancial (NASDAQ:SMBK) and UniCredit (OTCMKTS:UNCRY) Head-To-Head Analysis

SmartFinancial (NASDAQ:SMBK) and UniCredit (OTCMKTS:UNCRY) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, profitability, analyst recommendations, institutional ownership, earnings, valuation and dividends.

Profitability

This table compares SmartFinancial and UniCredit’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
SmartFinancial	9.93%	6.55%	0.62%
UniCredit	N/A	N/A	N/A

Volatility & Risk

SmartFinancial has a beta of 0.69, suggesting that its share price is 31% less volatile than the S&P 500. Comparatively, UniCredit has a beta of 1.18, suggesting that its share price is 18% more volatile than the S&P 500.

Institutional and Insider Ownership

58.8% of SmartFinancial shares are owned by institutional investors. Comparatively, 0.3% of UniCredit shares are owned by institutional investors. 7.7% of SmartFinancial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares SmartFinancial and UniCredit”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SmartFinancial	$151.31 million	3.34	$28.59 million	$1.56	18.96
UniCredit	$26.50 billion	2.70	$9.32 billion	N/A	N/A

UniCredit has higher revenue and earnings than SmartFinancial.

Analyst Ratings

This is a summary of current ratings and recommmendations for SmartFinancial and UniCredit, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SmartFinancial	0	3	1	1	2.60
UniCredit	0	0	0	0	N/A

SmartFinancial presently has a consensus price target of $27.00, suggesting a potential downside of 8.72%. Given SmartFinancial’s higher probable upside, equities analysts clearly believe SmartFinancial is more favorable than UniCredit.

Dividends

SmartFinancial pays an annual dividend of $0.32 per share and has a dividend yield of 1.1%. UniCredit pays an annual dividend of $0.66 per share and has a dividend yield of 3.0%. SmartFinancial pays out 20.5% of its earnings in the form of a dividend.

Summary

SmartFinancial beats UniCredit on 9 of the 14 factors compared between the two stocks.

About SmartFinancial

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, Leases, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans and leases; commercial business and mortgage loans; and direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and mid-size companies; letters of credit; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee.

About UniCredit

UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and finance solutions, as well as securities services. In addition, it offers transactional and risk management, and strategic advisory and funding services; group trade and correspondent banking services; and payments and cash management solutions. The company serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. The company was founded in 1870 and is headquartered in Milan, Italy.